Headquartered in Raton, New Mexico, InBank is a state-chartered bank with $1.4B in total assets and $1.1B in deposits as of Q2 2026. It operates 16 offices across 2 states. Its charter dates back to 1918.
InBank has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 27% of its 897 banks with $1 billion – $10 billion. Among 29 banks headquartered in New Mexico, it ranks 24th. Problem-loan coverage contributes the most (86/100, 7.0%); funding & liquidity contributes the least (49/100, 83% loans-to-deposits, 40% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (61 → 62).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 60 |
| Q4 2024 | 60 |
| Q1 2025 | 62 |
| Q2 2025 | 61 |
| Q3 2025 | 63 |
| Q4 2025 | 63 |
| Q1 2026 | 65 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.41% |
| Q3 2024 | 10.28% |
| Q4 2024 | 10.60% |
| Q1 2025 | 10.70% |
| Q2 2025 | 10.59% |
| Q3 2025 | 10.71% |
| Q4 2025 | 10.38% |
| Q1 2026 | 10.99% |
| Q2 2026 | 11.46% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.60% |
| Q3 2024 | 1.00% |
| Q4 2024 | 1.15% |
| Q1 2025 | 1.10% |
| Q2 2025 | 1.02% |
| Q3 2025 | 0.75% |
| Q4 2025 | 0.47% |
| Q1 2026 | 0.87% |
| Q2 2026 | 1.31% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 0.78% |
| Q4 2024 | 0.85% |
| Q1 2025 | 0.83% |
| Q2 2025 | 0.85% |
| Q3 2025 | 0.79% |
| Q4 2025 | 0.55% |
| Q1 2026 | 1.08% |
| Q2 2026 | 1.08% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $1.4B | 11.46% | 1.31% | 1.08% | 83.3% |
| Q1 2026 | 65 | $1.4B | 10.99% | 0.87% | 1.08% | 81.8% |
| Q4 2025 | 63 | $1.4B | 10.38% | 0.47% | 0.55% | 84.1% |
| Q3 2025 | 63 | $1.4B | 10.71% | 0.75% | 0.79% | 83.9% |
| Q2 2025 | 61 | $1.4B | 10.59% | 1.02% | 0.85% | 79.9% |
| Q1 2025 | 62 | $1.4B | 10.70% | 1.10% | 0.83% | 75.9% |
| Q4 2024 | 60 | $1.3B | 10.60% | 1.15% | 0.85% | 79.8% |
| Q3 2024 | 60 | $1.4B | 10.28% | 1.00% | 0.78% | 79.8% |
| Q2 2024 | 64 | $1.3B | 10.41% | 0.60% | 0.74% | 84.4% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in New Mexico
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Century BankBank Santa Fe, NM | 61 out of 100, Moderate | $1.4B | 10.3% | 1.07% | vs |
| Citizens Bank of Las CrucesBank Las Cruces, NM | 76 out of 100, Strong | $1.2B | 10.4% | 0.43% | vs |
| Pioneer BankBank Roswell, NM | 73 out of 100, Strong | $1.1B | 12.3% | 1.71% | vs |
| CNB BankBank Carlsbad, NM | 75 out of 100, Strong | $1.1B | 9.7% | 0.09% | vs |
| First American BankBank Artesia, NM | 80 out of 100, Strong | $1.9B | 11.8% | 0.53% | vs |
Deposit insurance
Is my money safe at InBank?
Yes. InBank is an FDIC-insured institution (FDIC certificate #11492). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.9% of deposits ($443.6M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.46%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.40% (benchmark: 10%).
16 locations
Branches
InBank lists 13 offices in 12 cities across 2 states. Most locations:
- Pueblo, CO (2)
- Angel Fire, NM (1)
- Canon City, CO (1)
- Cimarron, NM (1)
- Colorado Springs, CO (1)
- Denver, CO (1)
- Greenwood Village, CO (1)
- Pueblo West, CO (1)
- Raton, NM (1)
- Springer, NM (1)
- Superior, CO (1)
- Trinidad, CO (1)
Identity & history
Profile
- Legal name
- InBank
- Former names
- International State Bank; International Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11492
- RSSD ID
- 209858
- Primary regulator
- FDIC
- Holding company
- Inbankshares Corp
- Established
- April 9, 1918
- Headquarters
- 1233 S 2nd St, Raton, NM 87740
- Website
- www.inbank.com
- Employees
- 156
Quick answers
InBank: common questions
Is InBank FDIC insured?
Yes. InBank is an FDIC-insured institution (FDIC certificate #11492). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is InBank's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has InBank ever failed?
There is no failure record for FDIC certificate #11492 in the FDIC failed bank list.
How many branches does InBank have?
16 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Raton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 5Star BankBank Colorado Springs, CO | 87 out of 100, Very strong | $378.2M | 17.2% | 0.16% | vs |
| Century Savings and Loan AssociationBank Trinidad, CO | 78 out of 100, Strong | $75.3M | 16.4% | 0.50% | vs |
| UMB Bank, National AssociationBank Kansas City, MO | 65 out of 100, Moderate | $71.9B | 8.9% | 0.34% | vs |
| The First National Bank in TrinidadBank Trinidad, CO | 64 out of 100, Moderate | $250.5M | 10.9% | 0.95% | vs |
| Wells Fargo Bank, National AssociationBank Sioux Falls, SD | 58 out of 100, Moderate | $1.9T | 8.0% | 1.04% | vs |
| BMO Bank National AssociationBank Chicago, IL | 58 out of 100, Moderate | $255.0B | 11.3% | 0.92% | vs |